206 Sowder School Rd, Mount Vernon, KY 40456 Property Records

Rockcastle County property record for 206 Sowder School Rd, Mount Vernon, KY 40456

Property Summary

Property Type	Single Family Home
Lot Size	4 acres (174,240 sqft)
Owner	Company Name on Record
Last Sale	$35,000 (Mar 2026)
Tax Bill	$691 (2025)
Deeds & Mortgages	Mar 2026 Sale Jan 2024 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`035-00-036.10`

Property Details

APN / Parcel Number

Primary APN	`035-00-036.10`
Alternative APNs	`1192301` `1248401` `421301`

Exterior

Architectural Style	Mobile Home
Lot Area	174,240 sqft (4 acres)

Location & Zoning

Account Number	1248401
Street Address	206 SOWDER SCHOOL RD
City	MOUNT VERNON
State	KY
Zip	40456-8158
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2021 TRU ELATION & 4 ACRES
Jurisdiction	ROCKCASTLE KY
Township / Civil Division	MOUNT VERNON
Census Block Group	1
Census Block	1003
Census Tract	950300

Owner

Source: Rockcastle County records, as of April 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	206 SOWDER SCHOOL RD, MOUNT VERNON, KY 40456-8158
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed, Transfer
Jan 5, 2024	Deed of Trust, Mortgage · Construction Mortgage CITIZENS BANK
May 12, 2023	Warranty Deed, Transfer · Conventional Mortgage METRO EMPLOYEES CU INC
Nov 8, 2021	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2026 · Amount on Record
Deed Sale	Mar 18, 2026 · Amount on Record
Prior Sale	May 12, 2023 · Amount on Record
Deed Document Number	2026
Deed Book / Page	301 / 537
Prior Transfer Date	Dec 10, 2010
Prior Transfer Doc	000235/323
Record Updated	Jun 8, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKCASTLE KY
Recording Date	Mar 18, 2026
Property Address	206 SOWDER SCHOOL RD, MOUNT VERNON, KY 40456-8158
Document Number	000301/537
Book / Page	301 / 537
Instrument Date	Mar 18, 2026
Instrument	434287
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	206 SOWDER SCHOOL RD, MOUNT VERNON, KY 40456-8158

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 SOWDER SCHOOL RD, MOUNT VERNON, KY 40456-8158

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKCASTLE KY
Property Address	206 SOWDER SCHOOL RD, MOUNT VERNON, KY 40456-8158
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 SOWDER SCHOOL RD, MOUNT VERNON, KY 40456-8158

Mortgage

Document Number	000345/564
Date	Jan 5, 2024
Book Page	345/564
Instrument	391082

Lender

Name	CITIZENS BANK
Type	Bank
Address	MOUNT VERNON, KY 40456

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Oct 5, 2024

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCKCASTLE KY
Recording Date	May 12, 2023
Property Address	206 SOWDER SCHOOL RD, MOUNT VERNON, KY 40456-8158
Document Number	DEED287/341
Book / Page	DEED 287 / 341
Instrument Date	May 10, 2023
Instrument	386131
Transaction Type	Transfer
Record Updated	Jun 2, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$85.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3904 RED HILL RD, LIVINGSTON, KY 40445-8991

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	206 SOWDER SCHOOL RD, MOUNT VERNON, KY 40456-8158

Mortgage

Document Number	0000386132
Date	May 12, 2023
Instrument	386132

Lender

Name	METRO EMPLOYEES CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKCASTLE KY
Property Address	206 SOWDER SCHOOL RD, MOUNT VERNON, KY 40456-8158
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 SOWDER SCHOOL RD, MOUNT VERNON, KY 40456-8158

Mortgage

Document Number	M322/299
Date	Nov 8, 2021
Book Page	M322/299
Instrument	368900

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	MOUNT VERNON, KY 40456

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Oct 15, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Rockcastle County assessment roll, as of January 23, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Rockcastle County
Unified School District	Rockcastle County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$691.00 (+67.31%)	$85,000 (+7%)	$85,000 (+7%)
2023	$413.00	$50,000	$50,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 3, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes
Claims by Event	Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 63% of the US · above 80% of Kentucky
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MT VERNON WATER WORKS serves 4,951 people · EPA ID KY1020299
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Windstream DSL	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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